Queer Money®: How Gay People Do Money

Do you make poor financial decisions, even when you know better? If so, it may help to dig into your money story to find out why.

Stephani Niblock grew up in a cult that viewed women as caretakers who never say no to their husbands.

So, when her partner wanted to buy a luxury car or see a pricey nutritionist, Stephani went into debt to make it happen.

How did understanding her money story help Stephani turn things around?

Today, Stephani is the creator of Be Your Money Hero, a platform and podcast that provides a safe space to explore the impact your past experiences and trauma have on your money.

On this episode of Queer Money, Stephani joins us to explain what it was like to grow up in a cult and how it affected her beliefs about money.

Stephani discusses how she got into debt and eventually filed for bankruptcy, describing how she took ownership of her ‘rock bottom’ money situation and finally got her financial life in order.

Listen in for insight on how trauma impacts our money decisions and learn how understanding your money story can help you change your financial life!

For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe 

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Download your FREE Queer Money Kickstarter a 9-step Guide to Kickstart Your Journey to Financial Independence

It's pretty easy to bash conservative states as members of the LGBTQ+ community when we see many of these states enacting laws against us. Yet, did you know that almost one-third of LGBTQ+ adults in the U.S. live in a Red State? There are many reasons that some folks may choose to stay or move to one of these Red States, one of which may be affordability and because they lack the financial privilege it takes to move to another state.

With that in mind, we've mined our data on affordable LGBTQ+ friendly cities and have come up with the top 5 most affordable cities in Red states.

This is Queer Money episode #501. Today, we’re diving into 5 affordable cities in Red states that are great spots for LGBTQ folks.

• Get the dynamic list of Affordable LGBTQ+ Friendly Cities in the U.S. here. 
• Watch this week's episode on YouTube
• Watch last week's episode on YouTube
• Don't miss the other states we've covered in this Gay Cities series

Past episodes mentioned in this episode:

• 381: The Series Kick Off
• 387: West Virginia
• 435: Missouri
• 451: Kentucky
• 433: Top 10 Cities Part 1
• 485: Top 10 Cities Part 2
• 487: Top Surprises

Follow us:

• Queer Money YouTube
• Queer Money Instagram
• Queer Money on Tiktok

There is strength in numbers.

Strength in the number of LGBTQ individuals and allies working together for positive change. In the numbers in our banking and investment accounts.

And in 500 episodes of the Queer Money podcast!

On this episode of Queer Money, we’re celebrating our status as one of the top five longest-running LGBTQ podcasts in the world.

We look back at the show’s origins, describing the experience that inspired us to start Queer Money and the diverse range of guests we’ve interviewed since then.

We share our top takeaways from eight years of talking about LGBTQ money and discuss some the most inspiring guests we’ve had on the podcast.

Listen in to understand how the power of community and financial empowerment go hand in hand and learn how you can be part of our ongoing mission to create one million LGBTQ millionaires!

For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe 

Follow us:

• Queer Money Instagram
• Queer Money YouTube
• Queer Money on Tiktok

Download your FREE Queer Money Kickstarter a 9-step Guide to Kickstart Your Journey to Financial Independence

Swing states. Moderate states. Purple states. No matter what you call them, there are roughly 11.25% or over 1,500,000 LGBTQ+ folks living in the 3 states that are defined at being Purlple States. One southern and two mid-west states are home to some of the cheapest cities in the U.S., but are any of them LGBTQ+ friendly?

With that in mind, we've mined our data on affordable LGBTQ friendly cities and have come up with the top 5 most affordable cities in Purple states.

This is Queer Money episode #499. Today, we’re diving into 5 affordable cities in purple states that are great spots for LGBTQ folks.

• Get the dynamic list of Affordable LGBTQ+ Friendly Cities in the U.S. here. 
• Watch this week's episode on YouTube
• Watch last week's episode on YouTube
• Don't miss the other states we've covered in this Gay Cities series

Past episodes mentioned in this episode:

• 381: The Series Kick Off
• 413: Ohio
• 455: Iowa
• 467: Florida
• 433: Top 10 Cities Part 1
• 485: Top 10 Cities Part 2
• 487: Top Surprises

Follow us:

• Queer Money YouTube
• Queer Money Instagram
• Queer Money on Tiktok

How do you make money with short-term rentals? Is it worth it? Is the market over saturated?

This is Queer Money episode #498, and today we’re joined by Jason Muth, owner of Prideaway Stays where he focuses on helping the LGBTQ+ find and rent out short-term rentals, especially in the Provincetown, MA area.

Topics Covered:

• How Jason’s side hustle with STRs turned into his full-time job
• Why Jason focuses on classic vacation markets that have existed for decades
• How listening to Bigger Pockets inspired Jason to invest in STRs
• The first 3 steps Jason took to start making money with vacation rentals
• What it means to have a ‘power tribe’ and why it’s important
• Jason’s conservative approach to growing a short-term rental portfolio
• The hidden costs of getting a short-term rental business off the ground
• Why it’s crucial to set clear expectations in your listing and then overdeliver
• Strategies for mitigating the risk of ‘bad guests’ trashing your property
• Jason’s advice on responding to negative reviews by taking the high road
• How to get into STRs through cohosting without buying a property yourself
• What it means to ‘make a profit on the purchase’ of real estate

For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe 

Follow us:

• Queer Money Instagram
• Queer Money YouTube
• Queer Money on Tiktok

Download your FREE Queer Money Kickstarter a 9-step Guide to Kickstart Your Journey to Financial Independence

We often hear from may of you that you'd only ever choose to live in a "Blue" state. Yet many folks see the cost of living in cities in blue states and think, "how the heck can the average LGBTQ person afford to live there?"

With that in mind, we've mined our data on affordable LGBTQ friendly cities and have come up with the top 5 most affordable cities in blue states.

This is Queer Money episode #497. Today, we’re diving into 5 affordable cities in blue states that are great spots for LGBTQ folks.

• Get the dynamic list of Affordable LGBTQ+ Friendly Cities in the U.S. here. 
• Watch this week's episode on YouTube
• Watch last week's episode on YouTube
• Don't miss the other states we've covered in this Gay Cities series

Past episodes mentioned in this episode:

• 381: The Series Kick Off
• 385: Wisconsin
• 407: Pennsylvania
• 419: New York
• 433: Top 10 Cities Part 1
• 485: Top 10 Cities Part 2
• 487: Top Surprises

Follow us:

• Queer Money YouTube
• Queer Money Instagram
• Queer Money on Tiktok

What are dry promotions and how do they harm marginalized communities more?

This is Queer Money episode #496, and today we’re sharing how your boss could get you to work more for less and what you should do about it.

Topics Covered:

• How dry promotions are defined as promotions that come without a raise
• The problem with being given additional responsibilities without additional authority
• 6 reasons to decline a dry promotion at work
• How dry promotions impact employee morale and retention
• Why a dry promotion can throttle your career progression and lead to burnout
• 5 ways dry promotions hurt LGBTQ+ people and minorities
• How dry promotions perpetuate marginalization, stifle authenticity and exacerbate inequality
• The mental health impacts of dry promotions on marginalized communities
• Why women, LGBTQ+ people and other minorities are more likely to accept a dry promotion
• How to maintain your professionalism and decline a dry promotion graciously
• When it makes sense to accept a dry promotion as a steppingstone for advancement
• Accepting a dry promotion under the condition of revisiting the salary increase

For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe 

Follow us:

• Queer Money Instagram
• Queer Money YouTube
• Queer Money on Tiktok

Download your FREE Queer Money Kickstarter a 9-step Guide to Kickstart Your Journey to Financial Independence

Climate migration and climate change are topics more and more folks are considering when choosing where to live.

With rising insurance costs in places like Florida and California and changing weather patterns across the South and lower Mid-West, many are taking a second look at what cities are doing to be better prepared for climate change.

So, what are the most affordable, LGBTQ+ friendly cities in the United States that are climate-ready?

This is Queer Money episode #495. Today, we’re diving into 7 climate change-ready cities that are great spots for LGBTQ folks.

• Get the dynamic list of Affordable LGBTQ+ Friendly Cities in the U.S. here. 
• Watch this week's episode on YouTube
• Watch last week's episode on YouTube
• Don't miss the other states we've covered in this Gay Cities series

Past episodes mentioned in this episode:

• 381: The Series Kick Off
• 407: Pennsylvania
• 413: Ohio
• 433: Top 10 Cities Part 1
• 435: Missouri
• 445: Maryland
• 485: Top 10 Cities Part 2
• 487: Top Surprises

Follow us:

• Queer Money YouTube
• Queer Money Instagram
• Queer Money on Tiktok

How will you fund your gay retirement years?

With stagnant wages, inflation, and discriminatory practices in financial services, do you fear your retirement years will be more like the Golden Corral than the Golden Girls?

If so, you’re luckier than a drag queen with a wardrobe malfunction and a safety pin because this is Queer Money episode #494. And today, we’re sharing our multi-pronged approach to building generational wealth to fund your retirement years and beyond.

For the resources and to connect with our guests, get the show notes at: https://queermoneypodcast.com/subscribe 

Follow us:

• Queer Money Instagram
• Queer Money YouTube
• Queer Money on Tiktok

Download your FREE Queer Money Kickstarter a 9-step Guide to Kickstart Your Journey to Financial Independence

What are the most affordable, friendly cities in the United States for LGBTQ singles?

We’ve covered the most affordable, LGBTQ+-friendly cities in each state.

But now we're taking that data and having some fun and are single?

This is Queer Money episode #491. Today, we’re sharing the most affordable, LGBTQ+-friendly city for dog owners

• Get the dynamic list of Affordable LGBTQ+ Friendly Cities in the U.S. here. 
• Watch this week's episode on YouTube
• Watch last week's episode on YouTube
• Don't miss the other states we've covered in this Gay Cities series

Past episodes mentioned in this episode:

• 381: The Series Kick Off
• 397: Texas
• 473: Colorado
• 407: Pennsylvania
• 459: Illinois
• 413: Ohio
• 445: Maryland (for DC)
• 487: Top Surprises

Follow us:

• Queer Money YouTube
• Queer Money Instagram
• Queer Money on Tiktok